Safe Auto: Commercial Insurance Coverage And Options

Safe Auto offers commercial auto insurance, which is part of a full suite of auto insurance coverage options. The company provides coverage in 28 states, including Alabama, Arkansas, Delaware, Florida, Georgia, Louisiana, Michigan, Mississippi, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, and Washington. Safe Auto specializes in working with high-risk drivers who may struggle to obtain insurance coverage elsewhere, including those with multiple accidents or DUIs on their records. The company offers competitive rates, but it has received criticism for its poor customer service and limited add-on coverages.

Safe Auto's commercial auto insurance coverage

Safe Auto offers commercial auto insurance as part of its suite of auto insurance coverage options. The company caters to high-risk drivers who may struggle to find coverage elsewhere due to their driving records. This includes drivers with multiple accidents, DUIs, or other violations.

Safe Auto provides the minimum liability insurance required by each state, as well as comprehensive and collision coverage. Comprehensive insurance covers losses due to theft, fire, or weather conditions, while collision insurance pays for repairs or replacement of a vehicle involved in a collision with another vehicle or object.

In addition to these standard coverages, Safe Auto offers personal injury protection, uninsured/underinsured motorist coverage, accidental death benefit, rental reimbursement, and roadside assistance.

Safe Auto also offers several discount opportunities, which vary by state. These may include discounts for insuring multiple vehicles, switching from another insurer, taking a driver improvement course, paying premiums upfront, bundling home and auto insurance, good student grades, and senior citizens.

Safe Auto has received criticism for its poor customer service, limited add-on coverages, and higher-than-average rates, especially for drivers with clean records. It is important to note that Safe Auto is not available in all states, so potential customers should check if it is offered in their state.

Pros and cons of Safe Auto's commercial insurance

Safe Auto, now a part of Direct Auto Insurance, offers commercial auto insurance in 28 states. It is known for providing the minimum required car insurance to drivers who may have trouble getting coverage elsewhere.

Pros

• Safe Auto offers a full suite of auto insurance coverage options, including bodily injury, property damage, collision, uninsured motorists, and personal injury, as well as rental car reimbursement, medical expenses, and roadside assistance.
• Safe Auto works with high-risk drivers, including those who need SR-22s and FR-44s, to find a policy that fits their coverage needs and budget.
• Safe Auto offers several discount opportunities for seniors, safe drivers, military members, and more. For example, active-duty service members may be eligible for up to a 25% discount on their premiums, and seniors aged 55 and above who have completed a qualified accident prevention course may receive a 5% discount.
• Safe Auto offers the convenience of purchasing policies online, over the phone, or through an agent.
• Safe Auto provides filing assistance for drivers needing an SR-22.

Cons

• Safe Auto has a higher-than-average complaint index score. According to the National Association of Insurance Commissioners (NAIC), Safe Auto has a complaint index score of 14.17, meaning it receives 14 times as many complaints as the average insurance company.
• Safe Auto's mobile app has poor ratings on the App Store and Google Play due to functionality issues.
• Safe Auto is not available nationwide. It operates in 28 states with offices in Alabama, Arkansas, Delaware, Florida, Georgia, Louisiana, Michigan, Mississippi, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, and Washington.
• Safe Auto is not suitable for low-risk drivers who may find better rates and fewer complaints with other insurance providers.

Safe Auto's customer service reputation

Safe Auto has received mixed reviews for its customer service. On Trustpilot, the company has an average rating of 3.3 stars. While some customers have praised Safe Auto for its easy sign-up process, helpful service members, and hassle-free experience, others have complained about inaccurate quotes, premium hikes, payment issues, and poor mobile app functionality.

According to the National Association of Insurance Commissioners (NAIC), Safe Auto has a higher-than-average complaint index score of 14.17, indicating that it receives 14 times as many complaints as the average insurance company. This is supported by Safe Auto's Complaint Index from the NAIC, which gave the company a score of 4.29, suggesting that it receives more than four times as many complaints as expected for an insurer of its size.

Customers have reported issues with claims handling, including delays and denials of claims. The company's mobile app has also received negative reviews, with users citing problems with basic functionalities like logging in and bill payment.

Safe Auto provides multiple channels for customers to contact its customer service team, including phone, email, fax, mail, and through its mobile app. The company offers self-service options on its website and mobile app, allowing customers to access their policies, make payments, view coverages, and file claims conveniently.

Safe Auto's insurance rates

Safe Auto Insurance offers a range of insurance products, including car, motorcycle, commercial auto, individual term life, accident medical expense, and supplemental Medicare insurance. They also provide access to the federal health insurance marketplace.

Safe Auto specializes in providing minimum liability insurance to drivers who may have trouble getting coverage elsewhere due to their high-risk status. This includes drivers with multiple accidents, DUIs, or other incidents on their records. Safe Auto also offers SR-22 and FR-44 filings for drivers who need them.

Safe Auto provides various discounts that can help reduce insurance costs. These include discounts for insuring multiple vehicles, switching from another insurer, taking a driver improvement course, paying premiums in full upfront, bundling home and auto insurance, and more. The availability of these discounts varies by state.

Safe Auto's customer service and mobile app experience have received poor reviews, with customers citing issues with functionality, basic features, and claims handling. The company also has a higher-than-average complaint index score.

Safe Auto's insurance discounts

Safe Auto Insurance offers a wide range of discounts for its policyholders. The company provides insurance in 28 states and offers a full suite of auto insurance coverage options, including commercial auto insurance. Here are some of the discounts available with Safe Auto Insurance:

Military Discount

Active-duty service members who can provide a copy of their current orders may be eligible for up to a 25% discount on their car insurance premiums. This discount recognizes and appreciates the service of military members.

Senior Discount

Safe Auto Insurance offers a 5% discount for seniors aged 55 and older who have completed a qualified accident prevention course. This discount not only rewards safe driving but also encourages seniors to continue practicing safe driving habits.

Homeowners Discount

Homeowners who keep their insured vehicles at their residence may qualify for a significant 15% discount on their insurance premiums. This discount can help reduce the overall cost of insurance for eligible homeowners.

Qualified Driving Course Discount

State-approved driver education and accident prevention courses can lead to a reduction in premium costs by up to 10%. This discount encourages policyholders to improve their driving skills and knowledge, thereby reducing their risk on the road.

Multi-Vehicle Discount

Safe Auto Insurance provides a substantial discount of up to 25% for customers who insure more than one vehicle with them. This discount can be especially beneficial for families with multiple cars or individuals with multiple vehicle ownership.

Multi-Policy Discount

The company offers a 5% discount on auto insurance coverage for customers who participate in other Safe Auto Insurance products. This discount rewards customer loyalty and encourages the utilization of multiple insurance services offered by Safe Auto.

Safe Auto Insurance provides a range of other discounts, such as the Dynamic Drive Program discount, safe driving record discounts, safety equipment discounts, and AutoPay discounts. These discounts demonstrate the company's commitment to rewarding safe driving habits and providing affordable insurance options for its customers.

Frequently asked questions